CFPB Complaint on a store card who to file against?

[Anonymous]

Hi,

I'm filing a CFPB complaint against my Walmart Credit Card. The complaint is because I have not yet received my sign up bonus of a $75 gift card and it's been over 4 months.

Do I file it against Walmart or against the issuing bank?

[austinguy907]

Issuer

[SunriseEarth]

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@Anonymous wrote:
Hi,

I'm filing a CFPB complaint against my Walmart Credit Card. The complaint is because I have not yet received my sign up bonus of a $75 gift card and it's been over 4 months.

Do I file it against Walmart or against the issuing bank?

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Issuing bank (Synchrony).   What have they said when you've contacted them on this issue?

[Anonymous]

Synchrony says it's not their problem. They refer me to Walmart customer service.

I call Walmart they verify they I should have received it, check the notes then say okay I've put in a request and you'll receive it in a week. It's supposed to be an E-Gift Card so they say check your spam and I check every day but still nothing and at this point I've called over a dozen times and it's just getting ridiculous.

CFPB had an option to select Walmart Store Card for the company to file against so I selected that one.

[Anonymous]

So should I contact Synchrony? Because I tried and they shut me down and said no that's Walmart's problem.

[fltireguy]

Yes. I don't think you can file a complaint against WalMarr, since they didn't issue the card. Synchrony did.

[Anonymous]

Yeah but they manage it. Like say you have an issue with your Kohl's charge wouldn't you contact Kohl's not CapOne?

And what do I do then since Synchrony just refers me back to Walmart.

[Anonymous]

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@Anonymous wrote:
Yeah but they manage it. Like say you have an issue with your Kohl's charge wouldn't you contact Kohl's not CapOne?

And what do I do then since Synchrony just refers me back to Walmart.

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No, you would contact CapOne if you had an issue with your Kohls credit card.  Any cobranded card is managed by the issuing bank not the store, airline, hotel, etc, etc.

[Anonymous]

I've contacted CapOne about my Kohls charge and they referee me back to Kohls. I think store cards are different than hotel/airline cards.

What exactly do I tell synchrony then because they shy me down immediate any time I bring it up. They say no sorry we don't deal with that. Call Walmart at this phone number. Have a good day!

[fltireguy]

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@Anonymous wrote:
I've contacted CapOne about my Kohls charge and they referee me back to Kohls. I think store cards are different than hotel/airline cards.

What exactly do I tell synchrony then because they shy me down immediate any time I bring it up. They say no sorry we don't deal with that. Call Walmart at this phone number. Have a good day!

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Have you sent a letter via certified mail to Sync yet? That's where I would start. Sync's CS is not the best, plus it's almost imposible to speak with any type of a supervisor, etc.

Have you gone into a WM and complained to their CS? They very may well have contac info for Sync for this type of issue.. (We have a variety of backdoor #'s for Citi at work - they do our CC's, and the numbers we have are NOT the normal customer contact numbers)

CapOne shouldnt be referring you Kohls either for a card issue, unless it is something specific to Kohls end of the card (such as an in store discount that you are promised, etc.)